Whether you're saving for retirement or your family's college expenses, all of our IRAs offer great rates, no minimum requirements and easy deposit options. Take a look!

Traditional IRAs:

• Available without employer participation
• Contributions and/or earnings are tax-deferred until retirement
• Possible deductions based on retirement plan participation and income
• Full accessibility to your funds: 10% early distribution penalty if younger than 59 ½ years
• No minimum contribution in any year
• Contribution limits are $5,500 for most people and $6,500 for those 50 and older.

ROTH IRAs

• Pre-taxed contributions mean the principal amount is never subject to taxes or penalties as long as you stay within the contribution guidelines
• Money grows tax-deferred and become tax-free if not withdrawn for at least 5 years
• No age limit for contributions

Coverdell Education Savings Accounts (ESAs)

• Contributions are not tax-deductible, but may earn interest tax deferred until distributed
• No tax owed on any withdrawal from the account if withdrawal is equal to or less than the qualified education expenses at an eligible institution for the year
• Roll over or balance transfer available for eligible family member’s ESA or to a qualified tuition program (QTP)

Learn more or open an account today. Click here or visit one of our branch locations.

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